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Commercial Building Loan & Rural Marketing Outlet

Purpose :

  • Construction buildings, such as shop buildings, Malls, Residential quarters/Flats, Auditoriums, etc. for commercial purpose


  • Secured OD, TL & NFB :10%


  • 50% of project cost-Margin to be invested upfront. Branch to ascertain that the applicant is capable of meeting margin by obtaining asset details and income proof. In deserving cases, pro rata investment of margin can be permitted. If the land is purchased by the borrower within a period one year the amount invested for such purchase subject to a cap of 25% of the loan amount may be treated as margin


  • Equitable mortgage of land and building constructed/to be constructed. The value of land including developmental/ construction should be at least 200% of the loan amount
  • Guarantee of credit worthy person.


  • To be repaid in EMI s within maximum period of 10 years, including repayment holiday of maximum 18 months.

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Financial support to the farmers for meeting the short term needs in crop production.

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